Mobile Money made global
Send money to Kenya, Uganda, and 20+ other African countries in seconds. Your family gets instant access through M-Pesa, Airtel Money, MTN Mobile Money, and more.
Mobile Money without borders
Mobile Money changed everything in Africa — instant transfers, no bank required, money on your phone in seconds. But the moment you try to send money across borders, you're back to expensive fees, days of waiting, and undesirable exchange rates. We built Morse to extend what works about Mobile Money globally, as well as protect your money by holding it in stable digital dollars until you want to withdraw it locally.
No fees, no markups
Withdraw to M-Pesa, Airtel Money, or MTN directly. Receive 100% of what you sent, since we charge zero fees on local withdrawals.
Cross-border made simple
Send from 110+ countries to Africa as easily as a domestic M-Pesa transfer. Transfers on Morse are instant and free!
Protect your money
Securely store your money in digital dollars, owned by you. Convert to your local currency only when rates work in your favor.
What makes Morse different?
You're not just sending money — you're getting a digital wallet that holds stable digital dollars while giving you instant access to Africa's Mobile Money networks. Traditional services convert your money immediately. We let you decide when.
Morse allows you to:
This isn't the future of money — it's money working the way it always should have.
How it actually works
Sending money internationally should be as easy as sending a text message. The value of your money shouldn't change based on the day. Hold your money in digital dollars and pick the approach that makes sense for how you want to use Morse with Mobile Money.
Maximum flexibility & savings
Best for multiple transfers and access to all of the app's perks.
- Send to Morse WalletSend money directly to your recipient's Morse Wallet across 150+ countries — they get 100% of what you send, with no money lost to fees along the way.
- Their money, their wayMoney stays safe until they decide what to do — withdraw to their Mobile Money account, send globally, or just hold it in digital dollars. They control where, when, and how much they move.
Use your Mobile Money account
Perfect for families who prefer immediate local currency access.
- Withdrawals in your native currencyConvert and withdraw to your Mobile Money account (including M-Pesa, Airtel Money, or MTN) in seconds.
- Send like usualUse your familiar Mobile Money app to send instantly to family and friends, just like any domestic transfer.
Quick & easy links
Pay anyone with a link, which lets them easily set up a Morse account and claim the funds in minutes.
- Create & share a linkMake a payment link for anyone, even if they haven't signed up for Morse yet. Enter the amount, choose a currency, and share.
- They get 100%Send the link via any messaging app (such as WhatsApp) or QR code. Recipients download and join Morse to claim the funds.
Get paid like a local, anywhere in the world
Global earnings made simple with Account Details in your Morse Wallet. Freelancers and remote workers can now get paid in dollars, euros, and more, directly to their Morse Wallet, where they can instantly withdraw to Mobile Money in their local currency. A small fee of 0.1% applies to global payments.
FAQs
How much does it actually cost to send money? Are there really no hidden fees?
We believe moving money should be fast and effortless, so most transactions are free. Some include a small fee, which you'll always see before you send.
Currently we charge a flat 50 cent fee for international deposits or withdrawals, with other transactions (sending money on Morse, spending with Morse Card, moving stablecoins, instantly withdrawing to your bank, etc.) remaining free. Our Account Details charge a 0.1% fee to receive international payments from freelance jobs, gig work, etc. around the world.
We don't mark up exchange rates either — you get the real exchange rate, which is almost always what you see on Google.
This could save you from paying 3–5% in fees on each transfer, compared to banks or services like Wise and Western Union (based on leading money transfer providers in August 2025). With Morse, your recipient receives 100% of what you send.
We're working to keep Morse as close to free as possible, which means any future fees will be minimal and transparent.
How fast will my family actually get the money?
There are two ways to get money to your family and friends in Africa, and they're both instant:
- Send via Morse: Money arrives immediately in their Morse Wallet, held in digital dollars and available for withdrawal at anytime
- Withdraw to your Mobile Money: Add money from payment sources across 75+ countries, then withdraw to your Mobile Money account and send locally in seconds
Either way, with Morse, your family and friends have immediate access to their money, while traditional services can take up to 3–5 days (as of August 2025).
Which African countries can I send to? Is my home country supported?
We offer Mobile Money transfers and local currency deposits/withdrawals in 21 African countries, with solely stablecoin transfers supported in another eight African countries. We also cover major mobile money networks: M-Pesa, Airtel Money, MTN Mobile Money, Orange Money, and more.
You can check exactly which countries and Mobile Money services we support by visiting our country page. If your home country isn't listed yet, we're constantly working on expanding our coverage across Africa, so sign up to the waitlist!
What documents do I need to sign up and how long does verification take?
Getting started requires just three simple things: a smartphone with fingerprint or face recognition, valid government issued identification for account verification, and a funding source, such as your Mobile Money account.
We accept most government-issued identification — such as driver's licenses, passports, and sometimes national IDs. The specific types accepted may vary by your current country of residence, but you can check during signup. Account setup is quick — typically under five minutes — and you can begin transfers immediately after verification.
How is Morse regulated?
We're regulated by the AFM in the Netherlands and registered with FinCEN in the U.S. Your money is securely held as stablecoins (digital versions of major currencies like USD and EUR), each one backed by actual reserves held in regulated accounts. Think of it as digital cash that's as safe as the money in your bank account. Plus, you own your money in this self-custodial digital wallet — which means we can't access it. Unlike traditional remittance services, where your money passes through multiple intermediaries, with Morse, you maintain control of your funds throughout the entire process.
People are already making the switch
I use Morse to move money between Uganda and Kenya. It's simple to use and it just works. I also love how engaging and responsive the team is.
Instant transfers, easy to use, great support team. I get my monthly salary through Morse and send money to friends and family. It's just a great experience overall.
Whether I'm sending money to family back home or topping up my own mobile money while travelling, Morse is super easy to use and it just works.
I use Morse for everyday spending and receiving crypto. I love that I can receive stablecoins on the SOL network and spend it. It's super fast!
I use Morse for everything: receiving my salary, sending money to family and friends, even investing. I love the Solana wallets, fair exchange rates, and how easy it all is to use.
I work cruise ships and needed an easy way to receive my salary in dollars. Morse makes this really easy!
I use Morse for on-ramping and transferring money to crypto exchanges. I can't name just one thing I love, but it's how cheap it is to move money around, how supportive the team is, and how well the app abstracts a self-custodial wallet for end users.
Morse makes it easy — reasonable fees, fast transfers, and seamless money withdrawals. Plus the customer support is genuinely quick and helpful.
The simplicity and speed make managing payments across teams and borders seamless. I use Morse across different projects and collaborations.
I run two bitcoin companies and I use Morse to off-ramp my crypto payments and transfers. The fact that I can deposit USDC and spend it instantly is huge, and the conversion fees are low.
As an accounting professional, I use Morse to receive payments from my clients in the United States. Transferring my money is fast and practically fee-free.
I use Morse to move money between Uganda and Kenya. It's simple to use and it just works. I also love how engaging and responsive the team is.
Instant transfers, easy to use, great support team. I get my monthly salary through Morse and send money to friends and family. It's just a great experience overall.
Whether I'm sending money to family back home or topping up my own mobile money while travelling, Morse is super easy to use and it just works.
I use Morse for everyday spending and receiving crypto. I love that I can receive stablecoins on the SOL network and spend it. It's super fast!
I use Morse for everything: receiving my salary, sending money to family and friends, even investing. I love the Solana wallets, fair exchange rates, and how easy it all is to use.
I work cruise ships and needed an easy way to receive my salary in dollars. Morse makes this really easy!
I use Morse for on-ramping and transferring money to crypto exchanges. I can't name just one thing I love, but it's how cheap it is to move money around, how supportive the team is, and how well the app abstracts a self-custodial wallet for end users.
Morse makes it easy — reasonable fees, fast transfers, and seamless money withdrawals. Plus the customer support is genuinely quick and helpful.
The simplicity and speed make managing payments across teams and borders seamless. I use Morse across different projects and collaborations.
I run two bitcoin companies and I use Morse to off-ramp my crypto payments and transfers. The fact that I can deposit USDC and spend it instantly is huge, and the conversion fees are low.
As an accounting professional, I use Morse to receive payments from my clients in the United States. Transferring my money is fast and practically fee-free.